2019 was a year full of surprises for income investors, and 2020 is likely to offer its own unique challenges and opportunities, including my highest conviction idea for market-beating returns next year.

The trade wars are likely to get worse before they get better and we’re at high risk of a correction in June. Here are four effective rules for protecting your money during scary times like these that I’m using for my own savings.

A recession is now probably coming in 2020 and I’ve spent the last few months recession-proofing my retirement portfolio. Find out how and what collection of 19 stocks/ETFs I’m counting on to ride out the coming bear market in safety and then position myself to make a fortune when the next bull market begins.

Both Microsoft and IBM are dividend blue-chips with bold cloud computing ambitions. But just one of these companies is worth buying today and likely to deliver market-beating, double-digit total returns over the coming years.